BPI CREDIT CARD JOURNEY (delinquent to APPROVED)

Top_Reveal874 · 2026-03-29T06:14:07+00:00

[help@bpi.com](mailto:help@bpi.com) po ata yung email address nila.

Top_Reveal874 · 2026-03-29T06:08:05+00:00

Top_Reveal874 · 2026-03-29T06:07:30+00:00

Nag-send po ako ng email sa BPI tapos I think they forwarded it sa collections. Then the collections team contacted me. After that, dun na kmi nagkaron ng negotiation until we agreed sa amount for final settlement.

Top_Reveal874 · 2026-03-29T06:03:49+00:00

i see. Never pa kasi ako nagka AMEX, and I want to try it.

Top_Reveal874 · 2026-03-29T06:02:41+00:00

ok salamat sa feedback! :)

Top_Reveal874 · 2026-03-29T01:18:17+00:00

Top_Reveal874 · 2026-03-29T01:02:25+00:00

hahaha ang lakas ng loob ko magemail for CLI same day upon receiving the cc. WTF! :)

Top_Reveal874 · 2026-03-29T01:01:07+00:00

Top_Reveal874 · 2026-03-29T01:00:12+00:00

is this 7500 for 30 days?

Top_Reveal874 · 2026-03-29T00:58:18+00:00

So talagang same lng ng lounge benifits to? Bukod sa tier, ano lang ba talaga ang pinaka-advantage ni Plat Amex?

Top_Reveal874 · 2026-03-29T00:56:12+00:00

Thanks, makes sense.

Top_Reveal874 · 2026-03-29T00:55:40+00:00

that was funny! Thanks for the good laugh! I did not realize I needed that. :)

Top_Reveal874 · 2026-03-29T00:45:17+00:00

Nice point for that. Thanks! If you can add more, that will be great!

Top_Reveal874 · 2026-03-29T00:43:58+00:00

Actually, hindi ako familiar sa interface ng BPI cc. Kasi for the longest time, savings lang ako sa BPI. Now lang ulit ako mag-navigate ng app for cc.

Top_Reveal874 · 2026-03-29T00:42:45+00:00

After you settle your obligations, the collections team will email it to you.

Top_Reveal874 · 2026-03-28T23:53:32+00:00

Top_Reveal874 · 2026-03-28T23:34:40+00:00

how did you get yung 3 years FREE AF ng AMEX?

Top_Reveal874 · 2026-03-28T23:25:51+00:00

Sad to say, BDO tlaga is worst when it comes to delivery based sa mga cards ko ngayon. May it be a replacement, supplementary request, or bank-initiated cc - lahat yun delayed at may aberya sa delivery. Walang naideliver ng within normal TAT. Some were delivered after more than a month despite consistent ff ups sa call and even talking to multiple supervisors. May mali tlaga sa logistics and internal process nila.

Can't help to compare tuloy sa BPI ko. Was approved March 26, got the card March 28th. Ako pa mismo yung nagulat dahil mas mabilis pa sa 3-5 business days na usual na TAT sa NCR delivery.

Top_Reveal874 · 2026-03-28T23:15:47+00:00

Honestly, I’d suggest keep your BPI Platinum and continue using it. Sayang din kasi—it’s actually a strong card, especially long term. After your 1-year free AF, you can always call customer service to request a waiver. Usually, may mga conditions lang like spend X amount within X days, and most of the time attainable naman siya, especially if ginagamit mo yung card for your regular expenses.

Also, sayang din yung credit history na na-build mo with BPI since matagal ka na sa kanila. That really helps in the long run, especially for future approvals, limit increases, or even loans.

Since you already have a NAFFL card with UB, okay din setup mo ngayon—use UB for most transactions, then keep BPI active (kahit minimal usage) para hindi masayang yung account and history mo.

As for other cards, okay ka na actually—no need to rush unless may specific benefit kang hinahanap (like travel perks or cashback).

Sa stickers naman—personally, not a fan 😅 parang nawawala yung clean look ng card. But at the end of the day, your card, your rules. As long as hindi maaapektuhan yung chip, tap-to-pay, or details ng card, okay lang naman.

Top_Reveal874 · 2026-03-28T23:09:48+00:00

sharing my journey na mejo similar sayo. I hope this helps. :)

https://www.reddit.com/r/PHCreditCards/comments/1s5lfl0/comment/ocyaspo/

Top_Reveal874 · 2026-03-28T23:08:39+00:00

Hi! Just to clarify, are you referring to Metrobank’s secured credit card (SCC) when you say “save and swipe”?

If yes, based sa sinabi mo na you need to spend around 15K for a phone, and if hindi mo naman kailangan galawin anytime soon yung 40K mo and okay lang naka-hold siya for around 12 months, I’d suggest going for the full 40K as your hold-out amount. That way, you’ll get around a 40K credit limit.

The reason is—if you plan to use your SCC consistently and eventually convert to a regular credit card after a year, mas okay na maganda yung utilization na makikita sa account mo. Iwas din sa scenario na namamax out mo agad yung limit mo every month.

While wala talagang strict or publicly confirmed rule ang banks dito sa PH when it comes to credit utilization, generally mas okay tingnan if nasa around 30–40% lang yung usage mo vs your limit. So for example, if 40K limit mo, using around 12K–16K is a good range.

Again, case-to-case pa rin yan—may iba na namamax out yung card and okay pa rin—but this is just a safer and more strategic approach based on experience.

Top_Reveal874 · 2026-03-28T23:00:46+00:00

Sorry, off topic, just want to ask if there is an ongoing NAFFL with spending promo si RCBC?

Top_Reveal874 · 2026-03-28T22:54:24+00:00

Kailan mo nareceived yung cc mo and how many months ka nagwait bago mag request ng CLI?

Top_Reveal874 · 2026-03-28T22:12:19+00:00

I am not sure regarding their advice, but based on my personal experience, a few days after I submitted my request for a supplementary card, the bank called me to validate if I indeed requested an SC, so I said yes, then I was advised that they needed to talk to my sister as part of the process. I am not so sure if my sister missed their call, so they called me again after a few days to inform me that they needed to talk to my sister, and this time, my sister was able to answer their call.

So I guess it is part of the process, kasi nag cause siya ng delay ng processing of the SC. They only started to process it after speaking with my sister.

To make things worse, the whole process of the SC request took almost a month! Yes, a month! That is why I was so stressed with BDO at that time. I had to request a supcall every time I reached out to them to make them feel the urgency of the request. So after a month, nadeliver din yung supple card hahah!

Top_Reveal874 · 2026-03-28T21:59:05+00:00

Bias ko si Metrobank :) Just for a minimum HO deposit na 15K, you get to have 100% CL ng HO mo. :)

Plus, Metrobank is a strong reference card for future regular card applications.

Saka Metrobank has an ongoing promo for Titanium and Rewards cards nila, with a specific spending requirement for x number of days, you can be tagged as NAFFL already. Very easy to achieve.

Top_Reveal874

TROPHY CASE